INSURANCE CARRIERS &
REINSURANCE CARRIERS

PRAM files and maintains policies with each of
the state entities on behalf of the carriers we
represent. We then underwrite the products
we offer, maintaining accuracy and
consistency. Once a client is implemented, we
also issue the policies and certificates.
Subsequently, we analyze our business data
and report to the carrier in a reliable manner.

In addition to partnering with issuing carriers,
PRAM Captive Insurance Company takes risk
behind PRAM’s pharmacy business, showing
that we stand strong behind the products we
create and take to market.